You Agree to These Terms by Using this Site

Your access to, and use of, the Site is subject to the following Terms of Use and all applicable laws and regulations.
By accessing and using the Site, you accept, without limitation or qualification, these Terms of Use, and acknowledge that
any other agreements between you and Ken Culver d.b.a. Culver Web Design are superseded with respect to this subject matter. If you do not agree
and accept, without limitation or qualification, these Terms of Use, please exit the Site.

Ownership of Content

The Site and all of its contents including, but not limited to, all text and images ("Content") are owned and
copyrighted by Ken Culver or others with all rights reserved unless otherwise noted. Any Content that is a trademark, logo,
or service mark is also a registered and unregistered trademark of Ken Culver or others. Your use of any Content, except as
provided in these Terms of Use, without the written permission of the Content owner is strictly prohibited.

Your Use of the Site

You are granted permission to use the Site as follows:

You may download Content, but only for noncommercial, personal use and provided that you also retain all
copyright and other proprietary notices contained on the Content;

You may not use images of people or places on the site without permission of the site owner.

You may not distribute, modify, copy (except as set forth above), transmit, display, reuse, reproduce, publish,
license, create derivative works from, transfer, sell or otherwise use Content without written permission from Ken Culver.

You are prohibited from using the Site to post or transmit any infringing, threatening, false, misleading, abusive,
harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic, or profane material or any
material that could constitute or encourage conduct that would be considered a criminal offense, give rise to
civil liability, or otherwise violate any law - Ken Culver will fully cooperate with any law enforcement authorities
or any court order requesting or directing Ken Culver to disclose the identity of anyone posting or transmitting
any such information or materials; and

You are prohibited from using the Site to advertise or perform any commercial solicitation.

Privacy

Any personal data (for example, your name, address, telephone number or e-mail address) you transmit to the
Site by electronic mail or otherwise will be used by Ken Culver in accordance with his normal business processes, and will not be
sold or given to any third party except as required by law. Any other communication or material you transmit to the Site, such as
questions, comments, suggestions or the like, will be treated as non-confidential and nonproprietary.

Disclaimer of Warranties

ALL CONTENT IS SUBJECT TO CHANGE AND IS PROVIDED TO YOU "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR
IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT.
Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply
to you. Without limiting the foregoing, the site owner neither warrants nor represents that your use of any Content will not infringe
the rights of any third parties nor that the Content will be accurate, complete or up-to-date.

Exclusion of Liability

Your use of the site is at your own risk. Neither Ken Culver nor any of his affiliates, officers or directors, nor any of its agents
or any other party involved in creating, producing, or delivering the site, are liable for any direct, indirect, punitive, incidental,
special, consequential, or other damages arising out of or in any way connected with the use of this site or content whether based on
contract, tort, strict liability or otherwise, even if advised of the possibility of any such damages. Please note that some jurisdictions
may not allow the exclusion of certain damages, so some of the above exclusions may not apply to you.

Links to Third Party Sites

The Site may contain links to sites owned or operated by parties other than Ken Culver. Such links are provided for your convenience
only. Ken Culver does not control, and is not responsible for, the content or privacy policies on, or the security of, such sites. Without
limiting the foregoing, Ken Culver specifically disclaims any responsibility if such sites:

Infringe any third party’s intellectual property rights;

Are inaccurate, incomplete or misleading;

Are not merchantable or fit for a particular purpose;

Do not provide adequate security;

Contain viruses or other items of a destructive nature; or

Are libelous or defamatory.

Revisions to the Terms

Ken Culver may at any time, and without notice, revise these Terms of Use by updating this posting. You are bound by any such revisions
and should therefore periodically visit this page to review the current Terms of Use.

Law and Jurisdiction

These Terms of Use and your use of the Site are governed by the laws of the State of California, USA, without regard to its choice of law
provisions. The courts of general jurisdiction located within San Diego County, California, USA, will have exclusive jurisdiction over any
and all disputes arising out of, relating to or concerning these Terms of Use and/or the Site or in which these Terms of Use and/or the
Site are a material fact.